6760 Fern Dr, Denver, CO 80221
2 beds · 3 baths · 1,568 sqft
Just 15 minutes from vibrant Downtown Denver, this tech-forward, low-maintenance modern townhome boasts a new roof (2024), smart Ecobee thermostat, smart garage door, smart locks, and a Simply Safe security camera and system to provide sound peace of mind. // Inside, an open-concept layout invites you into a spacious living area with new durable luxury vinyl plank flooring underfoot (2024) and a central vacuum to keep everything tidy. The gourmet kitchen features a slab granite breakfast bar, ample cabinetry, a gas range, stainless steel appliances, and a center island. The dining room boasts a new chandelier (2024). Large windows and nine-foot ceilings flood the home with natural light, while a cozy fireplace in the living room adds a warm touch for winter. // Upstairs, two luxurious bedroom suites offer an ensuite bathroom and walk-in closet. The primary suite features French doors and a 5-piece bath with a lavish soaking tub. The high-efficiency washer and dryer tucked in the upstairs laundry room make daily living a breeze. An attached two-car garage provides parking and generous storage. // Midtown boasts a variety of community-centered amenities. Enjoy a local microbrewery, café, community garden, an outdoor amphitheater with summer concerts, dog parks, fountains at Home Plate Park, and a nearly complete 22-acre park. Outdoor enthusiasts will appreciate easy access to the Clear Creek Bike Path for biking, running, and soaking in Colorado’s natural beauty. Additional retail development is scheduled nearby; don’t miss this unique opportunity to build equity now. Commuting to Boulder or Denver is a breeze with easy highway and RTD light-rail access. // A lender credit of $8,485 is available with our preferred lender via the Community Reinvestment Act (CRA)! This property also has an assumable VA loan for active military and retired veterans who qualify. Inquire with the Listing Agent for details.
Source: RECO #5889215
Source: RECO #5889215
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Whether you have an agent or you’re just starting your search, reach out to us and we’ll help set up a home tour.
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
To qualify, you must meet the current FHA, VA, or USDA loan requirements depending on the type of loan you are assuming. This typically means a minimum credit score of 580, although most lenders prefer 620-640. Your debt-to-income ratio should be under the 50% max under FHA guidelines. Additional information such as employment history, explanations of income for each applicant, and asset verification for a down payment may be needed to process the loan.
What is Roam?
Roam is your trusted partner for affordable home ownership. We help manage the assumption process from start to finish, enabling homebuyers to easily purchase their next home with a low-interest rate mortgage attached.
What is an assumable mortgage?
An assumable mortgage is a type of home loan that allows a homebuyer to take over the existing mortgage terms from the seller, with no cost to the seller. Many government-backed loans, such as FHA and VA loans, are eligible for assumption, and millions of these mortgages are available.
Why is an assumable mortgage valuable?
When interest rates on mortgages are high, assuming a mortgage with a rate as low as 2% allows buyers to save up to thousands monthly compared to buying a home with a traditional mortgage at today’s average rates of 7%. A low-rate assumable mortgage could be the key to finding your dream home at an affordable price.
How can you find assumable mortgage listings?
Roam has compiled available listings with low-rate assumable mortgages for you to browse. To get started, enter the city, state, zip code, or school district you’re interested in purchasing in. Utilize the search filters to narrow down your search. Click “Get Notified” to save your search preferences and activate listing notifications—we’ll email you as soon as new listings match your criteria.
Once you’ve found your dream home and ready to make an offer, schedule a call with a Roam Advisor directly from the listing. Your Roam Advisor will guide you through each step of the process, while also working directly with your agent, the servicer, and the seller to ensure you close on time.
How do I qualify for an assumable mortgage?
To qualify, you must meet the current FHA, VA, or USDA loan requirements depending on the type of loan you are assuming. This typically means a minimum credit score of 580, although most lenders prefer 620-640. Your debt-to-income ratio should be under the 50% max under FHA guidelines. Additional information such as employment history, explanations of income for each applicant, and asset verification for a down payment may be needed to process the loan.
MLS ID: #5889215
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